Category: Publication

Mobile money agents: Sustainability in the digital era—findings from Mozambique

This report assesses pressing challenges that affect Mozambican mobile money agents: poor liquidity management, low working capital, and network issues. The insights from this report will inform agent network ecosystem players in Mozambique to create sustainable strategies to maintain and expand agent networks.

Nov 29, 2022

Edward Obiko, Sophie Teyssier and Gregory Ilukwe

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Lending to cash-in cash-out (CICO) agents: An untapped frontier in micro-enterprise lending

Lending to cash-in cash-out (CICO) agents in developing countries remains a vastly underserved market despite its investment potential. This report focuses on the agent lending landscape in nine diverse low- and middle-income (LMIC) countries that represent mature and evolving markets to provide insights into the larger global opportunity.

Nov 1, 2022

Akhand Tiwari, Anup Singh, Raunak Kapoor, Edward Obiko, Gregory Ilukwe, Manoj Nayak and Zeeshan Ali

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How digital payments drive financial inclusion in India: Abridged report

India’s digital payments landscape has transformed dramatically over the past five years. This report, published in collaboration with the National Payments Corporation of India, provides a detailed outlook on India’s journey of digital payments, factors affecting the adoption of digital payments among the LMI segment, and products that have revolutionized the space.

Sep 22, 2022

Manali Jain, Vishes Jena, Disha Bhavnani, Akshat Pathak, Shweta Menon, Maansi Sharda and Pramiti Lonkar

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How digital payments drive financial inclusion in India

Digital payments in India have grown phenomenally in the past decade. This report highlights how digital payments in the country grew and charts the path ahead. We look at the journey of digital payments in India, major events and entities that contributed to it, and products that revolutionized the digital payments space. We also identify barriers to the digital payments sector and analyze the future of digital financial inclusion through payments for the low- and moderate-income segments in India.

Sep 20, 2022

Disha Bhavnani, Manali Jain, Vishes Jena, Akshat Pathak, Shweta Menon and Maansi Sharda

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Customer-centric and responsible digital credit solutions for urban and rural non-farm entrepreneurs and smallholder farmers

MSC conducted a deep-dive analysis of the digital credit users in India, Indonesia, and Kenya to assess the impact of digital credit on their financial health. The analysis presents the insights from the assessment and recommends actionable interventions at the level of providers, regulators, and policymakers to enhance the financial health of digital credit users.

Sep 20, 2022

Anup Singh, Abhishek Anand and Raunak Kapoor

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Women in open-air and cross-border trade in Kenya: Insights from the financial diaries research

The Bill & Melinda Gates Foundation commissioned MSC to conduct an action research program to enhance the quality and usage of digital financial services among female traders in open-air and cross-border markets in Kenya. We analyzed 6,000+ transactions in the research. Read our report to see the findings from these financial diaries research.

Aug 31, 2022

Rahul Chatterjee, Diana Siddiqui and Pauline Katunyo

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Category: Publication

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